Disputes/Chargeback rights

The company name isn't known or I don't recognise this transaction - sometimes the:

• business or retailer's trading name may differ from the name recorded on your statement • additional cardholder or, if it's a joint account, the other primary cardholder may have made the purchase.

This can usually be resolved by comparing the dates and amounts with your receipts, a discussion with your additional cardholder or a quick Internet search to locate more details about the merchant.

You cancelled a regular payment but were still charged - business or retailers usually have contractual terms and conditions that specify cut-off dates for cancelling regular payments. Your notification may have missed this date, in which case, the business or retailers is within their right to charge you. Check with the business or retailer directly to clarify this.

Your goods have not been received – often you can check the tracking number of the goods and this will allow you to see the progress of your order. If you do not have a tracking number or the goods were not received in the agreed timeframe, the first step is to call the business or retailer to discuss the reason for the delay.

Duplicated transaction – if a transaction is incorrectly shown twice on your statement, the first step is to call the business or retailer to query the duplicated transaction.

Sometimes issues arise with credit and debit card transactions. If you recognise the business or retailer, the first step should always be to contact them directly to discuss. The types of transactions to follow up on directly with the business or retailer are:

You cancelled a reservation within a business or retailer's cancellation period, but were still charged

You provided your details to a business or retailer and have been charged without your consent

A refund or credit has not been processed, or has been processed as a purchase

The transaction amount differs to what your receipt states

You cancelled a regular payment but were still charged

You were charged multiple times for the same purchase

Goods are not as described or not received

Services have not rendered

Merchandise is defective

If the business or retailer is unknown, unable to be contacted, or if you cannot come to an agreement within a few days, you should lodge a dispute with us via:

Logging into Internet Banking and selecting:

'Dispute a Transaction' which is underneath 'Did you know you can?' OR

Select the Account on 'My Accounts' and underneath 'Quicklinks' Select 'Dispute a Transaction'

Note: You can lodge a dispute only if you are the owner or joint owner of the Credit Card account.

We'll inform you in writing and while the investigation is underway. As part of this process, we may place a temporary increase to your available funds. For disputed Debit Mastercard® transactions a temporary credit will be placed on your linked account.

We'll act as a liaison between you and the merchant's bank. In some instances we may request information and evidence to progress the dispute resolution.

If we receive merchant documentation, we will send it to you via mail.

On receipt of the documentation, you will need to either accept it or further dispute the transaction.

If you accept the transaction, any temporary increase to your available funds will be reversed.

If you wish to continue the dispute, we will require you to provide a written reply to the documentation we sent to you.

Upon receipt of a written reply, further investigation will be carried out by us and a decision reached.

If the decision is in your favour, the transaction may be charged back to the merchant's account and the funds permanently credited to your account.

Note: If we don't receive a reply to any correspondence sent to you requesting information within 15 days, you may lose your rights to dispute the transaction and the temporary increase to your available funds will be reversed

We will work quickly to resolve your disputed transaction, often working with you, the business or retailer where the transaction occurred and their bank. The turnaround time can vary, however we will keep you informed throughout our investigation. Currently we are resolving the majority of disputed transactions within 35 days

You must still make at least the minimum repayment amount to avoid charges such as late payment fees and additional interest. Any temporary increase to your available funds during the dispute does not change the balance owing, nor does it change the minimum monthly payment required.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.